Mortgages with a default

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illustration of Defaults

Can I get a mortgage with a default?

Yes, you can. It can be more complex than if you don’t have a default on your credit file, but there are specialist lenders that are willing to lend to you. You’ll just have to meet their lending criteria. That means the factors they have in place to determine whether to approve or not approve your mortgage.

Just as lenders have their own different lending criteria, they also view different kinds of defaults differently too. For example, if you’ve got a default on your mobile phone contract, most lenders won’t see that as serious as a default on a secured loan.

If you have other credit issues in addition to a default, your mortgage application will be more complicated. Examples of credit issues are: a CCJ, IVA or are on a debt management plan.

It’s a good idea to check your credit history to see what’s on there before you apply for a mortgage. And working with a specialist mortgage broker who’ll be able to advise you on your options.

What is a default?

How does a default affect your credit score?

Do I need a larger deposit if I have a default?

How long do defaults stay visible on your credit file?

How much can I borrow if I have defaults?

How soon after a default can I get a mortgage?

Can you get a default removed?

Should I improve my credit score before applying for a mortgage?

How can I improve my credit score before getting a mortgage?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

Read our story

We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.


Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.


Your success is our success

Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.


Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.

Image of mortgage broker Ben Patten

Ben Patten

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Image of mortgage broker Luke Grosse

Luke Grosse

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Image of mortgage broker Sarah Earnshaw

Sarah Earnshaw

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Image of mortgage broker Yogesh Parekh

Yogesh Parekh

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Image of mortgage broker Jemma Talliss

Jemma Talliss

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Image of mortgage broker Paul Clark

Paul Clark

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Image of mortgage broker Lynn Cutts

Lynn Cutts

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Image of mortgage broker Steve Hatton

Steve Hatton

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Image of mortgage broker Jeanette Clark

Jeanette Clark

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Image of mortgage broker Carrie Knight

Carrie Knight

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Image of mortgage broker Jonathan Hunting

Jonathan Hunting

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Get connected to a default specialist mortgage broker who can make a mortgage possible for you.

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